Planning trumps Prediction. As we have experienced during 2020, threats like the Pandemic, election uncertainties, supply chain disruptions, the hacking of the US Government etc., make portfolio returns unpredictable.  Not only are these market movements unpredictable, they are things you cannot control. Yet investors spend a lot of time worrying about the market. But, there are many things investors do control – here is a checklist. Year End Tax and Investing Moves for 2020 (pdf)